Institution Statistics
| Members Trust Company | | OTS # | 17944 | | FDIC Certificate # | 57470 | | BankRate Report | View | | Year Established | 2003 | | Employees | 21 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $25.13 million | | Deposits | $500,000 | | Equity Capital | $23.85 million |
Historic Data - March 2011 | | Assets | $24.54 million | | Equity Capital | $23.04 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.81% | | Return on Assets | 1.39% | | Return on Equity | 1.47% | | Interest Income | $170,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Members Trust Company had $0 in non-current loans and owned real-estate with $23.85 million in equity and loan loss allowances on hand to cover it. This gives Members Trust Company a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Members Trust Company has increased its total deposits by $0, resulting in 0% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Members Trust Company has shown is average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Members Trust Company has $25.13 million in assets with $23.85 million in equity, resulting in a capitalization level of 94.90%, which is excellent. |
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